Securing your child's financial future starts with protecting their identity, and in today's digital age, that includes safeguarding them from tax-related identity theft. The IRS Identity Protection Personal Identification Number (IP PIN) program offers a powerful layer of defense. While often associated with adults who have experienced identity theft, any individual with a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) can apply for an IP PIN, including children. This comprehensive guide will walk you through the process of obtaining an IP PIN for your kids, step-by-step.
The Importance of an IP PIN for Your Child: A Shield Against Identity Theft
Imagine a scenario where a criminal uses your child's Social Security number to file a fraudulent tax return, claiming a refund that isn't theirs. This can lead to significant headaches for you and your family, including delayed legitimate refunds, correspondence with the IRS, and the arduous task of proving your child's identity was stolen. An IP PIN acts as a secret, six-digit code known only to you (or your child, once they are old enough) and the IRS. When you file a tax return that includes your child, you must enter this IP PIN. Without it, the IRS will reject the return, effectively preventing a fraudulent filing from going through.
It's a proactive measure, much like locking your front door before you leave the house. While the thought of child identity theft is unsettling, taking this simple step can provide immense peace of mind.
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| How To Get Irs Pin For Kids |
Getting an IRS IP PIN for Your Child: A Step-by-Step Guide
The process for obtaining an IP PIN for a minor child is slightly different than for an adult, as children generally cannot go through the online identity verification process themselves. As a parent or legal guardian, you'll be the one initiating this crucial protection.
Step 1: Are You Ready to Protect Your Child's Identity?
Before we dive into the specifics, ask yourself: Are you prepared to take this important step to secure your child's financial future? If your answer is a resounding "Yes!", then let's get started!
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Step 2: Gather Necessary Information
To apply for an IP PIN for your child, you'll need to have certain documents and information readily available. This will streamline the process and prevent delays.
- Your Child's Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN): This is absolutely essential.
- Your Child's Full Name and Date of Birth: Ensure these match IRS records exactly.
- Your Child's Current Mailing Address: The IP PIN will be mailed to this address.
- Your Own Personal Information: As the parent or guardian, you will need to provide your name, SSN, and possibly details from your last filed tax return to verify your own identity.
- Proof of Relationship (if requested): While not always required upfront, it's good to have documents like your child's birth certificate or guardianship papers on hand in case the IRS needs to verify your relationship.
Step 3: Understanding the Application Methods for Minors
Unlike adults who can often obtain an IP PIN immediately online, the process for minors typically involves a different approach due to the rigorous identity verification requirements. There are generally two primary methods for applying for an IP PIN for a minor child:
Sub-heading 3.1: Method 1: Applying by Mail Using Form 15227
This is often the most common and accessible method for obtaining an IP PIN for a minor.
- Obtain Form 15227, "Application for an Identity Protection Personal Identification Number (IP PIN)": You can download this form directly from the IRS website (IRS.gov). Simply search for "Form 15227".
- Fill Out Form 15227 Carefully:
- Section A: Reason for Application: You'll typically check the box indicating you are voluntarily applying for an IP PIN.
- Section B: Taxpayer Information: Enter your child's full name, SSN/ITIN, and current mailing address in this section.
- Section C: Parent/Legal Guardian Information: This is where you, as the parent or legal guardian, will fill in your own name, address, and phone number. Be sure to select the appropriate box to indicate your relationship (e.g., Parent/Legal Guardian).
- Signature: You, as the parent/guardian, will sign and date the form.
- Mail or Fax the Form: The instructions on Form 15227 will provide the correct mailing address or fax number. It's crucial to send it to the designated IRS processing center for IP PIN applications.
- Phone Call for Identity Verification: After submitting the form, the IRS will typically call you to verify your identity over the phone. This step is crucial. Ensure the phone number you provided on the form is accurate and that you are available to answer calls. During this call, they may ask questions based on your prior tax returns or other public records to confirm your identity and your relationship to the child.
- Receiving the IP PIN: Once your identity is successfully verified, the IRS will mail the IP PIN to the address on file for your child. This process can take approximately 4 to 6 weeks from the time of successful identity verification.
Sub-heading 3.2: Method 2: In-Person Appointment at a Taxpayer Assistance Center (TAC)
If you are unable to verify your identity online or via the Form 15227 process (perhaps due to certain income thresholds or specific identity verification challenges), an in-person appointment at a Taxpayer Assistance Center (TAC) is another option.
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- Schedule an Appointment: You cannot simply walk into a TAC. You must schedule an appointment by calling the IRS appointment line (usually 844-545-5640, but always check the IRS website for the most current number).
- Prepare for Your Appointment: When you attend your appointment, you will need to bring:
- A current government-issued photo identification document for yourself (e.g., driver's license, passport).
- Another identification document for yourself (e.g., utility bill, credit card statement, to prove address).
- Your child's Social Security card or ITIN assignment letter.
- Proof of your relationship to the child (e.g., birth certificate, court documents showing guardianship).
- Identity Verification at the TAC: An IRS employee will verify your identity and your child's identity.
- Receiving the IP PIN: Once verified, the IP PIN will be mailed to your child's address, typically within three weeks.
Step 4: Annual Renewal and Usage of the IP PIN
The IP PIN is not a one-time thing. It's a dynamic number that changes each year to enhance security.
Sub-heading 4.1: New IP PIN Annually
- Automatic Issuance (in some cases): If your child was a victim of identity theft and was automatically assigned an IP PIN, the IRS will generally mail a new CP01A notice with their updated IP PIN each year.
- Online Retrieval for Voluntary Participants: If you voluntarily opted your child into the IP PIN program, you will typically need to log into your IRS Online Account (if you have one and linked your child's information, which is less common for minors to have direct online access) or follow specific IRS instructions to retrieve the new IP PIN each calendar year. It's crucial to remember that a new IP PIN is generated annually.
Sub-heading 4.2: Using the IP PIN When Filing Taxes
- Mandatory for Filing: Once an IP PIN is issued for your child, it must be used on any federal tax return filed for that child during the calendar year, including current year and any delinquent tax returns.
- Electronic Filing: If you e-file your taxes, your tax software will prompt you to enter the IP PIN for each individual on the return, including your child. Ensure you enter the correct six-digit number.
- Paper Filing: If you file a paper return, the IP PIN should be entered on the Form 1040 (or relevant form) alongside your child's information.
- Incorrect or Missing IP PIN: If the IP PIN is missing or incorrect, your electronic return will be rejected. A paper return will be reviewed, but this will significantly delay any refund.
Step 5: What to Do if You Lose or Don't Receive the IP PIN
It happens! You might misplace the notice or it might not arrive. Don't panic.
- Call the IRS: For minor dependents, the primary way to retrieve a lost or unreceived IP PIN is to call the IRS Identity Protection Specialized Assistance line at 800-908-4490. They can verify your identity and mail the IP PIN to the address on file within 21 days.
- Online Account (Limited for Minors): While adults can retrieve their IP PIN through their IRS Online Account, a minor dependent's IP PIN generally cannot be retrieved online. You'll need to use the phone method.
By diligently following these steps, you can effectively secure an IP PIN for your child, providing an essential safeguard against tax-related identity theft and ensuring a smoother tax filing experience.
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Frequently Asked Questions (FAQs)
How to know if my child needs an IP PIN?
Your child needs an IP PIN if they have been assigned one by the IRS (often due to being a victim of identity theft) or if you are proactively choosing to obtain one to prevent potential tax-related identity theft. If you receive a CP01A notice with an IP PIN for your child, it means they have been assigned one.
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How to apply for an IP PIN for a newborn?
For a newborn, you would follow the same steps as for any minor child: primarily by submitting Form 15227 by mail and then completing a phone identity verification with the IRS. Ensure you have their SSN.
How to retrieve a lost IP PIN for my child?
To retrieve a lost IP PIN for your child, you must call the IRS Identity Protection Specialized Assistance line at 800-908-4490. They will verify your identity and mail the IP PIN to the address on file.
How to enter my child's IP PIN on my tax return?
When e-filing, your tax software will have a specific field to enter the IP PIN for each dependent. For paper returns, you will typically enter it on Form 1040 or related schedules (like Form 2441 or Schedule EIC) as instructed by the IRS.
How to know if my child's IP PIN is still valid?
An IP PIN is valid for one calendar year. New IP PINs are generated annually. If your child was assigned one, the IRS will typically mail a new CP01A notice each year. If you voluntarily enrolled, you may need to retrieve it annually.
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How to get an IP PIN for a child over 16?
For children aged 16 or 17, they may be able to apply for their own IP PIN online if they can successfully pass the IRS's identity verification process using their own financial information (e.g., prior tax return info, credit report data). Otherwise, parents can still apply on their behalf using Form 15227 or an in-person TAC appointment.
How to opt out of the IP PIN program for my child?
Currently, if you or your child have been assigned an IP PIN (especially if they were a victim of identity theft), there is generally no option to opt out of the program once enrolled. The IRS assigns it as a continuous protection measure.
How to prevent child identity theft beyond an IP PIN?
Beyond an IP PIN, you can protect your child's identity by:
- Safeguarding their SSN.
- Shredding documents with personal information.
- Placing a credit freeze on their credit report (for children under 16).
- Being cautious about sharing their personal details.
- Monitoring for any suspicious mail or communications related to their name or SSN.
How to verify my identity for my child's IP PIN application?
Identity verification for your child's IP PIN application (when done by you as the parent/guardian) will typically involve providing your own personal information (SSN, date of birth, previous tax year's AGI, etc.) and potentially answering knowledge-based authentication questions during a phone call from the IRS.
How long does it take to receive an IP PIN for a child?
If applying by mail (Form 15227) and successfully verifying identity over the phone, it can take approximately 4 to 6 weeks to receive the IP PIN by mail. For in-person TAC appointments, it usually takes about 3 weeks.
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